12.5K reviews
Content rating
PEGI 3
500K+
Downloads
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About this app

The Scottish Widows app brings your long-term finances to life, helping you own your tomorrow.

Keep on top of what you have with us and connect the pensions, investments and insurance you have with other providers.

We help you save, plan and protect, all in one app:

• Build a holistic view of what you have with us and other providers.
• Explore the future income you might get from all your pensions when the time comes, so you can decide if it’s enough.
• Review your insurance cover and fill any gaps, so you know you’re protecting yourself and the things you love.

All you need to get started is your National Insurance number.
Your pension at your fingertips: start to look ahead and plan for your future.
Updated on
2 Nov 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age. The developer provided this information and may update it over time.
  • This app may share these data types with third parties
    Financial info
  • This app may collect these data types
    Personal info, Financial info and 3 others
  • Data is encrypted in transit
  • You can request that data be deleted

Ratings and reviews

12.3K reviews
Andy M
6 November 2021
Can't register to see my pension, says error, connection issues and I know I'm connected. I have seen some other people have the same problem and it's been a over a good period that you've known about it. Get it sorted, and I won't be phoning customer services, so don't suggest it. The whole point of these apps, for me anyway, is that I don't have to spend ages on the phone waiting and explaining what I want to do.
72 people found this review helpful
Did you find this helpful?
Scottish Widows Limited
15 November 2021
Hi Andy, thanks for leaving a review. I'm sorry for any inconvenience this error has caused you. This has now been fixed, so you will no longer encounter any issues when accessing the app. Regards, Ian.
Gary Richardson
17 May 2021
Ok App, but nothing special. A good App should be intuitive. It took about a minute of pressing and nothing much happening before I realised that you press the top banner header ( not obvious ) Personally I think you're much better off saving the login page of money4life to your browser desktop on your PC or mobile. It works much the same as the App but you can do a whole lot more, such as change funds, change contributions and much, much more.
14 people found this review helpful
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Scottish Widows Limited
18 May 2021
Hi Gary, thanks for taking the time to provide your feedback. We've only recently launched our app and we're glad to hear you are finding it useful. With each new release we're intending to introduce more features and improving existing ones. Regards, Ian.
Mark Finch
6 August 2021
Same experience as listed above on numerous occasions over the last 7 months!!!! It won't let me log in and just says 'connection error try re-registering' when I do this it says you are already registered. My account does begin with ZU so I telephoned the previously mentioned phone number for the help desk on more than one occasion only to be told 'we don't know what it is, try it again tomorrow and then send us a screenshot etc etc. Scottish Widows this is a very poor reflection on you.
9 people found this review helpful
Did you find this helpful?
Scottish Widows Limited
23 August 2021
Hi Mark, thanks for getting in touch. We are aware of this issue with our app and are working on a fix to rectify this. In the meantime, uninstalling and then reinstalling the app will allow you to view your policy. Regards, Ian.

What's new

We're always looking at how we can improve our app. This update sees some bug fixes and improvements to our service.